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Louis
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i left Halifax for HSBC

 

 

Dear oh dear , ive bee getting stuffed with charges from HSBC for near on 6 years now but am in the process of claiming a couple of grand back under the unfair charges act .

 

Go to http://www.bankcharges.info/ cos if gives you a good idea as to how illegal the banks are operating and shows you step by step with pre printed letters to send to you loan sharks ( errr sorry banks ) to claim your cash back .

 

Wish me me luck and give it a try , the e-mails section has loads of people saying they never thought it would work and were pleasantly suprised .

Edited by Willo
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Heard some stuff about that on the radio. Seems you have absolutely zero chance of a refund, because that would mean the banks admitting they're in the wrong but you have a good chance of them making you a "good will payment." :rolleyes: . Same amount of money, but they're acting out of the goodness of their heart rather than because they're thieving bastards.

Edited by mikeo
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Dear oh dear , ive bee getting stuffed with charges from HSBC for near on 6 years now but am in the process of claiming a couple of grand back under the unfair charges act .

 

Go to http://www.bankcharges.info/ cos if gives you a good idea as to how illegal the banks are operating and shows you step by step with pre printed letters to send to you loan sharks ( errr sorry banks ) to claim your cash back .

 

Wish me me luck and give it a try , the e-mails section has loads of people saying they never thought it would work and were pleasantly suprised .

 

ive done a claim for the missus and for my parents, need to get moving with my own.

 

a guy in work just got £950 from his bank

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Im with HSBC and fuck me they are shite, probably the worst bank going tbh. They took my bank card off me and said it had been reported stolen but I would have had to have reported it stolen and I never and it took fucking ages to sort the shit out coz they are all thick bastards. Have a lovely day people :) .

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Heard some stuff about that on the radio. Seems you have absolutely zero chance of a refund, because that would mean the banks admitting they're in the wrong but you have a good chance of them making you a "good will payment." :rolleyes: . Same amount of money, but they're acting out of the goodness of their heart rather than because they're thieving bastards.

 

 

The banks will not accept liability but if you push it towards small claims court action they refund you in full stating that it would cost them more to defend themselves than the cost of the refund which in other words is '' we cannot win so here you go '' .

 

In the small claims court you can claim up to 5 grand , mines a little bit less but if we're talking pittance then there is no point with small claims actions i will gladly accept their '' gesture of goodwill '' .

 

Doesn't matter what terms and conditions you have signed with the bank they are breaking the unfair charges act of whatever the year is .

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Willo - Im going to try and take back £310 from Halifax. Do you have any advice?

 

 

Go to that site i posted above it will explain it all to you mate , i'am shiote when it comes to stuff like this but it walked me right through n seems well easy n legal too .

 

The only advice i have really Louis is be persistant cos they will try to fobb you off , but you r in the right and they are not so just keep on at them and you will get your dosh back .

 

Go fer it Louis mate lets not let the ba5tards grind us down anymore . :D

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I am currently with the Halifax, however, in the process of taking them to the small claims court for unfair charges. Hoping to get back in the region of £3,500 to £4,000. However part of the small print is that once the legal action is over, THEY have the right to chage any amount (within reason) for charges - as well as being able to close my account whenever they wish without notice...

 

So, I am going to take what money I can back...then run to another bank/building society...so far, I am considering Abbey National (that's who I have my mortgage with) or the Barclay's or HSBC as I have heard a lot of good things about them.

 

Anyway, for those who want a little more information about reclaiming your bank charges...

 

http://www.thisismoney.co.uk/saving-and-ba...mp;in_page_id=7

 

https://www.moneyclaim.gov.uk

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I am currently with the Halifax, however, in the process of taking them to the small claims court for unfair charges. Hoping to get back in the region of £3,500 to £4,000. However part of the small print is that once the legal action is over, THEY have the right to chage any amount (within reason) for charges - as well as being able to close my account whenever they wish without notice...

 

 

Yeh i heard bout that mate but the best thing to do is open another account before processing your claim so if they do close your account you have something to fall back on .

 

I heard something about if the bank close your account then you may be black listed with other banks or something along those lines .

 

Best of luck anyway mate , they haven't got a fookin leg to stand on so you should come up trumps . :D

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I studies Business Law and Finance at Salford University (albeit a long long time ago now!) and they can only black list you if you either default on payments or ask for an extension to the term agreement (or similar request). A lender can also lower your credit rating WITHOUT YOU KNOWING if you pay a loan or debt repayment early through settlement in some cases.

 

However, they can not effect your credit rating or black listing in this case as it is a legal agreement if they choose to pay before court action. After court action it is a court judgement which binds the bank from blacklisting in any eventuality.

 

Seriously, if anybody on this forum has been paying overdraft charges, which some banks like the Halifax fluctuate between £28 and £42, depending on the day, weather or how they are apparently feeling!, you really need to get all of your bank statements from up to six years ago, calculate the amount of unfair charges, add them up, add the interest and take action!

 

The immediate downside is that you have to pay a £10 charge for all of your statement up to six years ago, and if you are going to take your building society or bank to a small claims court, you will have to play the initial lodging fee of about £130. I have just lodged my claim and I am awaiting a reply from the Halifax so I will keep everybody updated with the progress.

 

If anybody needs any advice or copies of the letters, let me know and I will post them up in a couple of days if wanted. You can repay me with a pre-match pint once you have been paid out!

 

:)

Edited by www.fc-ssl.com
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You can repay me with a pre-match pint once you have been paid out!

 

:)

 

 

Will do mate anyway once i sort the HSBC out big time .

 

Nice one for the advice , am currently reviewing 6 years worth of statements to see what the unfair charges come to but already its lookin like a few grand .

 

Will also keep you all posted as to how i get on . :)

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No.. it was a shitty little place around the corner in Newton Court, we'd look on in envy at your laminate floor and plants in reception. We had flea infested carpet, the reception door was blocked off by dell boxes so guests had to come in through the staff room which was basically two tables and four vending machines.

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YEEEEHHHHAAAAAAA!

 

I have just received a letter this morning from Halifax...

 

It goes on a bit, but the important bit is

 

"Halifax is willing to reimburse £2032.00 in respect of bank charges incurred, together with £268.97 in respect of interest that that halifax has calculated was charged on your account as a result of the charges. Plus, the Halifax will remiburse £120.00 in respect of the Court fee. This amounts to £2420.97 which will be credited to your account within the next 7 working days"

 

RESULT!

 

Two and a half grand pre-crimbo!

 

YEEEHAAA!

 

Seriously, if anybody else wants to do this, do it now before the loophole is closed. If anybody wants any information or advice, please feel free to help. I can supply the generic letters which you send off if needed.

 

:)

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YEEEEHHHHAAAAAAA!

 

I have just received a letter this morning from Halifax...

 

It goes on a bit, but the important bit is

 

"Halifax is willing to reimburse £2032.00 in respect of bank charges incurred, together with £268.97 in respect of interest that that halifax has calculated was charged on your account as a result of the charges. Plus, the Halifax will remiburse £120.00 in respect of the Court fee. This amounts to £2420.97 which will be credited to your account within the next 7 working days"

 

RESULT!

 

Two and a half grand pre-crimbo!

 

YEEEHAAA!

 

Seriously, if anybody else wants to do this, do it now before the loophole is closed. If anybody wants any information or advice, please feel free to help. I can supply the generic letters which you send off if needed.

 

:)

 

 

Have yourself a merry little xmas hahahah :D

 

Nice one fella just in process of claiming back near on 4 grand from the bank and awaiting a reply , cant see it being sorted before xmas but i do nay gve a flying sh!te cos storys like your own fill me with confidence and joy .

 

Maybe there is a father xmas after all ha ha :D

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Congrats on that Andy. Checked back through my old bank statements after reading this and seeing stuff about it on the TV but sadly it comes just a bit late for me. 2000 I started getting my finances together and have avoided any charges since...never thought that would piss me off :angry: . If it went back a few more years I'd be in line for thousands :( . Happy Christmas mate!

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